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by BoorishBears 1638 days ago
That definitely doesn't sound right...

Are you sure you're not referring to some sort of clause excluding a "riot" in the context of war? I've switched renter's insurance providers a lot and never seen something like "civil commotion" not being a covered peril
2 comments
jdavis703 1638 days ago
This was renters insurance pushed by the landlord. Perhaps it’s the barebones the landlord was OK with (e.g. if I burn down the house cooking or create a flood changing the plumbing they get paid out and don’t give a crap about what happens outside of normal tenant-caused disasters).
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dpark 1638 days ago
What? Renter’s insurance should cover your losses, not the landlord’s.
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dragonwriter 1638 days ago
> Renter’s insurance should cover your losses, not the landlord’s

Renter’s, like homeowner’s, insurance, usually includes some liability coverage. The landlord is a particularly likely person for a renter to have liabilities to.

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dpark 1637 days ago
That’s fair. I was originally thinking in terms of external events (such as the riot mentioned). But sure, liability for the renter setting the place on fire makes sense.
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cmurf 1638 days ago
It covers renter's liability too. Whether by accident or negligence, you can be held liable for damages to other people's property.
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simplestats 1638 days ago
It pays the landlord if they sue you and win. That's why they require it commonly.

Some landlords even require tenants to cover them with your insurance as additional insured (I think this is stupid). Though it is common for business leases I believe.

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gruez 1638 days ago
>Are you sure you're not referring to some sort of clause excluding a "riot" in the context of war?

Searching around it looks like "war" includes "insurrection, rebellion, revolution". Some people seem to think that jan 6th counts as such.

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BoorishBears 1638 days ago
Did Jan 6 affect apartment buildings?

Pretty sure this comment was talking about protests that were coopted into riots around the country. In the political realm people might try and stretch the meaning of revolution, but it's pretty clear that would be covered under "civil commotion" or riots

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gruez 1637 days ago
> Did Jan 6 affect apartment buildings?

Jan 6th specifically? No. jan 6th-like event? Plausibly.

>In the political realm people might try and stretch the meaning of revolution, but it's pretty clear that would be covered under "civil commotion" or riots

Not arguing either way, but what if they succeeded and killed some representatives?

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